We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 179155 results
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Decision Reference DRN-5659543
22 Jan 2026 Lloyds Bank PLC Not upheldBanking and PaymentsDRN-5659543 The complaint A company, which I will refer to as G, complains that Lloyds Bank Plc (trading as Cardnet) mis-sold its merchant acquiring services. In particular, G’s director says that Cardnet wrongly assured him that its services would be compatible with those of a specific... (3 pages)View decision -
Decision Reference DRN-5725693
22 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-5725693 The complaint Mr S complains about Revolut Ltd. He says that he fell victim to a scam and would like Revolut to refund him the money he has lost as a result. What happened Mr S unfortunately fell victim to a romance scam in April 2021. It began when he started speaking wit... (2 pages)View decision -
Decision Reference DRN-4490636
22 Jan 2026 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4490636 The complaint In summary, Mr M’s complaint is that Mitsubishi HC Capital UK PLC (the ‘Lender’) acted unfairly and unreasonably by providing him with a loan to purchase membership of a Timeshare, from a provider (the Supplier), which he believes is a scam. He has struggled to... (5 pages)View decision -
Decision Reference DRN-6052259
22 Jan 2026 Sky UK Limited UpheldConsumer CreditDRN-6052259 The complaint Ms S has complained about the administration of a fixed sum loan agreement with Sky UK Limited. What happened The circumstances of the complaint are well known to the parties, so I’m not going to go over everything again in detail. In summary, Ms S entered int... (3 pages)View decision -
Decision Reference DRN-5999736
22 Jan 2026 Nationwide Building Society Not upheldBanking and PaymentsDRN-5999736 The complaint Mr and Mrs G complain about Nationwide Building Society. They say that they have been the victims of a scam and would like Nationwide to refund them the £10,000 they have lost. What happened In 2021, Mr and Mrs G made two payments totalling £10,000 to an inve... (2 pages)View decision -
Decision Reference DRN-5771757
22 Jan 2026 Lloyds Bank PLC UpheldBanking and PaymentsDRN-5771757 The complaint Mrs W complains that Lloyds Bank PLC won’t refund the money she lost after she fell victim to a scam. What happened In May 2024, Mrs W came across an advertisement online about an investment opportunity. This investment appeared to be endorsed by a well-known ... (4 pages)View decision -
Decision Reference DRN-6070451
22 Jan 2026 CA AUTO FINANCE UK LTD UpheldConsumer CreditDRN-6070451 The complaint Mr S complains that a car supplied to him under a Personal Contract Purchase (PCP) agreement with CA Auto Finance UK Ltd (CA) was of unsatisfactory quality. What happened In July 2023, Mr S acquired a used car through a PCP with CA. The car was first registere... (5 pages)View decision -
Decision Reference DRN-4580177
22 Jan 2026 Shawbrook Bank Limited Not upheldConsumer CreditDRN-4580177 The complaint Mrs R’s complaint is, in essence, that Shawbrook Bank Limited (the ‘Lender’) acted unfairly and unreasonably by (1) being party to an unfair credit relationship with them under Section 140A of the Consumer Credit Act 1974 (as amended) (the ‘CCA’) and (2) decidi... (10 pages)View decision -
Decision Reference DRN-6084579
22 Jan 2026 Revolut Ltd Not upheldBanking and PaymentsDRN-6084579 The complaint Ms N is complaining that Revolut Ltd hasn’t refunded a payment made from her account as a result of a scam. What happened In July 2024 Ms N fell victim to a scam after listing an item for sale on an online marketplace. She received a message which she thought w... (5 pages)View decision -
Decision Reference DRN-5746011
22 Jan 2026 ClearBank Limited Not upheldBanking and PaymentsDRN-5746011 The complaint A complains ClearBank Limited unfairly closed its business account. A which is a limited company is represented by a director – Mr B What happened A held a Tide account which opened in June 2020. In early 2024 A’s account received in various payments, and thes... (3 pages)View decision